Why Federal Student Loans Are A Great Bet For Many Physicians With Travis Hornsby

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What should physicians do with their federal student loans? How does PSLF work? When should you consider private refinance?

In this episode of the Finance for Physicians Podcast, Daniel Wrenne talks to Travis Hornsby, founder of Student Loan Planner—a website, blog, podcast and planning service focused on everything related to student loans.

Topics Discussed:

  • Basics of Public Service Loan Forgiveness (PSLF):
    • How PSLF works
    • Key strategies to impact the bottom line
    • Student loan mistakes to avoid
    • Future of student loans
  • COVID Forbearance and Consolidation: Don’t lose PSLF-qualifying payments due to bad advice
  • Student Loan Loopholes: Breadwinner, Biden, Double Debt, and Marriage
  • PSLF Snowball Effect: Spread knowledge to stop skepticism
  • PSLF Process: Start by completing the certification form to certify income and credit
  • Repayment Plans:
    • Income-Driven Repayment (IDR)
    • Pay As You Earn (PAYE)
    • Revised Pay As You Earn (RePAYE)
  • Presidents and Predictions: More generous government-funded student loans
  • Student Loans Stipend: Not-for-profit hospitals’ recruitment efforts hurt, not help
  • Forgiveness: Save for and invest in other goals to live without debt regret 


Student Loan Planner

When RePAYE and PAYE Clash

St Loan flowchart on repayment options

ECF Form Instructions

IDR Plan Information

PSLF Application Instructions

PSLF Data on Forgiveness vs. Approval

Student Loan Planner’s Calculator

NHSC Loan Repayment Program

What You Can Do For Your Country Act

Finance for Physicians